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• No money to pay non-priority creditors - letter

  Letter for when you have no money available to offer to your non-priority creditors

• No money to pay non-priority creditors - joint letter

  Joint letter template for when you have no money available to offer to your non-priority creditors. This template is to be used for guidance

• If your debt is statute barred

  Steps you might be able to take if you’ve been contacted about a statute barred debt or action has been taken against you

• Work you can do while getting ESA

  While you’re getting Employment Support Allowance (ESA) you might be able to do some types of work. Check what work you can do while you’re getting ESA

• Apply for SMI

  How to apply for support for mortgage interest (SMI) if you get benefits

• Reducing your regular outgoings

  Find out how to save on household, energy and water bills, your TV licence and travel costs

• Cold called by a debt management plan provider

  How to complain if you are cold-called by a debt management company - uninvited contact by phone, text, email or in person at your door

• Dividing up money and belongings when you separate

  If you and your partner separate, you need to decide how to divide your home and your pension. You also need to divide possessions and money in bank accounts